| Metric | ProGrowth Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -12.3% | +4.4% | -16.6 pts |
| Deposit growth (YoY) | -2.5% | +4.0% | -6.5 pts |
| Loan growth (YoY) | -0.9% | +5.6% | -6.5 pts |
| ROA | -1.12% | 1.24% | -2.4 pts |
| ROE | -21.6% | 11.9% | -33.4 pts |
ROA ranks in the 1st percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $364.8M | $327.1M | $80.5M | $19.9M | $-2.1M | -1.12% | 1.60% | 0.00% |
| Q1 2026 | $370.9M | $333.8M | $81.2M | $19.5M | $-2.2M | -2.24% | 1.40% | 0.00% |
| Q4 2025 | $411.7M | $334.0M | $83.0M | $20.2M | $1.4M | 0.35% | 1.99% | 0.00% |
| Q3 2025 | $417.3M | $339.9M | $78.5M | $20.0M | $1.4M | 0.45% | 2.03% | 0.00% |
| Q2 2025 | $415.9M | $335.5M | $81.2M | $17.5M | $960K | 0.47% | 2.07% | 0.00% |
| Q1 2025 | $405.8M | $330.9M | $78.8M | $18.5M | $509K | 0.51% | 2.12% | 0.00% |
| Q4 2024 | $395.8M | $329.0M | $80.1M | $17.4M | $2.7M | 0.66% | 2.43% | 0.00% |
| Q3 2024 | $401.8M | $344.0M | $77.8M | $18.9M | $2.6M | 0.84% | 2.51% | 0.00% |
Loan mix (Q2 2026): real estate $61.9M · commercial $9.0M · consumer $883K · securities $263.2M
| Ratio | ProGrowth Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -1.12% | 1.24% | 1th | |
Return on equity Annualized net income ÷ equity or net worth | -21.6% | 11.9% | 1th | |
Net interest margin Interest income − interest expense, ÷ assets | 1.60% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 98.8% | 62.9% | 97th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | ProGrowth Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | ProGrowth Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | ProGrowth Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | ProGrowth Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
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